In this episode of Root Ready, James shares how advisors should think about Roth conversions—starting with the basics and not just relying on software.

Software can help with numbers, but it can’t see the full picture. James explains why Root advisors use software as a tool, not the final answer.

He talks through key things to consider before doing a Roth conversion, like future tax brackets, RMDs, charitable giving, and income thresholds. You’ll also hear why Roth conversions are more like “tax insurance” than a perfect plan.

If you want to better understand when—and when not—to recommend Roth conversions, this episode is for you.

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Advisory services are offered through Root Financial Partners, LLC, an SEC registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. We do not provide tax preparation or legal services. Always consult with your CPA or attorney regarding your specific situation.

Viewing this video does not create an advisory relationship with Root Financial. We only provide advisory services to clients under a written agreement.

Investment strategies discussed may not be suitable for everyone. All investments involve risk, and past performance is not indicative of future results.

Any opinions expressed are as of the date of recording and are subject to change.

Comments left on this video reflect the views and opinions of the individual commenters and do not necessarily represent the views of Root Financial Partners, LLC. Comments should not be considered a testimonial or endorsement of our services and have not been solicited or compensated. Root does not verify the accuracy of comments and is not responsible for their content.

When market volatility strikes, emotions often run high. Clients nearing retirement may feel especially vulnerable, and traditional conversations around long-term investing can sometimes miss the mark.

In this episode, James Conole, CFP®, shares a powerful framework for navigating emotional client conversations during turbulent markets. Drawing insights from unexpected fields like hostage negotiation, James outlines a five-step approach designed to build trust, acknowledge client concerns, and create space for thoughtful decision-making.

Rather than rushing to provide data or reassurance, James emphasizes the importance of active listening and understanding each client’s unique situation. As he explains, it’s not about being an expert in every market event — it’s about being an expert in your client’s plan and goals.

Tune in to learn how to guide clients through uncertainty with structure, empathy, and confidence — strengthening relationships when it matters most.

Struggling to get meaningful work done despite your technical expertise and people skills? You're not alone. Every financial advisor knows the frustration of ending a busy day feeling like nothing important was accomplished.

The culprit? It's not your ability – it's how you're managing your time and attention in a world designed to fragment both. In this eye-opening episode, I reveal why your morning routine holds the key to transforming your productivity and effectiveness as an advisor.

You'll discover why checking email first thing literally rewires your brain for distraction and turns your day into someone else's to-do list. I share the exact framework we use at Root Financial to ensure daily tasks connect directly to our larger purpose – from our mission and vision down to the three things I prioritize each morning.

The most successful advisors understand that effectiveness goes beyond just getting things done; it means doing the right things at the right time. Learn the four simple steps you can implement immediately to reclaim control of your day and accomplish what truly matters.

Whether you're feeling overwhelmed by notifications or simply want to elevate your impact, this episode provides actionable strategies to ensure your time management becomes your competitive advantage rather than your greatest obstacle. The difference between good advisors and great ones often comes down to this hidden dimension of success.